Firm analysis

Oakbrook Finance Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Oakbrook Finance Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

321 published decisions involving Oakbrook Finance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

321

Firm-specific decision volume in the public corpus

Upheld rate

18.4%

59 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

321

Firm-specific decision volume in the public corpus

Upheld rate

18.4%

59 upheld decisions

Leading product

Consumer Credit

268 decisions

Leading complaint theme

Affordability Assessment Failure

146 tagged decisions

Oakbrook Finance Limited at a glance

Oakbrook Finance Limited appears in 321 published decisions in this corpus. 18.4% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 268 decisions and an upheld rate of 18.3%.

  • Latest active year in the published data: 2026 (1 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Oakbrook Finance Limited's decision trail runs from 2014 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Oakbrook Finance Limited appeared in 1 published decisions with an upheld rate of 0.0%.

  • 2026: 1 decisions, 0.0% upheld
  • 2025: 46 decisions, 13.0% upheld
  • 2024: 35 decisions, 20.0% upheld
  • 2023: 49 decisions, 16.3% upheld
  • 2022: 79 decisions, 19.0% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Oakbrook Finance Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 140a Cca, Conc, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Consumer Credit: 268 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 140a Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-580302302 Feb 2026Not upheld

Oakbrook Finance Limited · Consumer Credit

It’s my final decision that I don’t uphold this complaint against Oakbrook Finance Limited, for the reasons explained above Under the rules of the Financial Ombudsman Service, I’m required to ask Mr J to accept or reject my decision before 2 March 2026. David Barker Ombudsman

View source decision
DRN-591190219 Dec 2025Not upheld

Oakbrook Finance Limited · Consumer Credit

DRN-5911902 The complaint Mr H complains that Oakbrook Finance Limited trading as Oakbrook lent irresponsibly when it approved two loan applications he made. What happened Mr H applied for two loans with Oakbrook as follows: Loan Date Principal amount interest added date settled Loan ... (3 pages)

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DRN-591174217 Dec 2025Not upheld

Oakbrook Finance Limited · Consumer Credit

DRN-5911742 The complaint Miss J complains that OAKBROOK FINANCE LIMITED trading as Finio Loans (‘Oakbrook’) was irresponsible in its lending to her. She wants all interest and charges on her loan refunded and any adverse information removed from her credit file. What happened Miss J’s ... (3 pages)

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DRN-592657209 Dec 2025Not upheld

Oakbrook Finance Limited · Consumer Credit

DRN-5926572 The complaint Mrs C complains Oakbrook Finance Limited (Oakbrook) failed to carry out thorough enough financial checks before it approved a loan for her. What happened Mrs C says Oakbrook approved a loan for £2,000 in July 2025 but it had relied on a higher level of income t... (3 pages)

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DRN-578588008 Dec 2025Upheld

Oakbrook Finance Limited · Consumer Credit

DRN-5785880 The complaint Mr M complains Oakbrook Finance Limited trading as Finio Loans (Finio) incorrectly set up a payment plan and recorded adverse information on his credit file. What happened The background to this complaint is well known to both parties, so I won’t repeat it at ... (2 pages)

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